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The story of Mina, daughter of Misan :

I live in Ujung Alang village at Kampung laut. The house is surrounded by brackish water. My father is a fisherman, and the income is uncertain. This program is very helpful for my family.

The distance from my home to school is about 15 kilometers, and I usually go to school at 5:15 a.m with my friend. In this school I will learn about accountancy as my major, which I choose because I want to be a successful accountant. After graduating from vocational school, I hope to work in a company or factory. I hope from this school I can get a good job easily. My hobby is reading books. I just want to say thank you so much for the Kiva program. Thanks for your help.

In this picture are Mr. and Mrs. Misan and their daughter, Mina.

Additional Information

More information about this loan

This loan is part of a YSBS vocational school loan program designed to help poor and low-income students. In the Cilacap region of Central Java, a significant number of students drop out of school following junior high because they can’t afford to continue. This loan product is designed to help these students attend senior high schools, which train them in specific vocations including accounting, farming, and fishing, and help them find jobs. This is a zero-interest loan, and students are expected to repay in monthly installments after they are employed.

Please be advised that this loan might carry a grace period while the student is in school that may result in a lengthy loan term. Please refer to the Repayment Schedule before making this loan.

About Yayasan Sosial Bina Sejahtera (YSBS)

Yayasan Sosial Bina Sejahtera (YSBS) is a non-governmental organization that has worked on poverty reduction, food security, gender issues, education, public health, and climate change in Central Java, Indonesia for over 40 years. Kiva lenders can fund tuition loans for students attending YSBS’ maritime academy and senior vocational high school to help them launch their careers, or enterprise loans for rural groups of women participating in the organization’s microfinance program.


About Indonesia

  • $4,458
    Average annual income
  • 88
    View loans »
    Indonesia Loans Fundraising
  • $4,838,550
    Funds lent in using Kiva
  • 11,483.2
    Indonesia Rupiahs (IDR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,050 helped Misan to pay for education fees at the vocational school.
0% repaid
Repayment Term
74 months (Additional Information)
Repayment Schedule
Aug 15, 2013
Sep 15, 2013
Currency Exchange Loss: